I am 21 and I live on my own. I make 1,200 a month but I cannot afford health insurance yet. My dad did 30 or 26 years in the Air Force. I was told that at 21 I would be knocked off his healthcare insurance. I may or may not be in school full time by the end of January. I talked to a manager and said I could be
I am 21 and I live on my own. I make 1,200 a month but I cannot afford health insurance yet. My dad did 30 or 26 years in the Air Force. I was told that at 21 I would be knocked off his healthcare insurance. I may or may not be in school full time by the end of January. I talked to a manager and said I could be covered until 26. I'm just really confused. What health insurance can I still purchase now?
Also My Dad Has TriCare Insurance.
Although the law has changed to allow many to stay on their parent's policy until age 26 that does not apply to Tricare or many other government policies.
Group plans are not always the least expensive, although many people think that is the case, probably because of the amount that many employers contribute.
There are no such things as "0bamacare" policies. "0bamacare" is the nickname for a law that states you must have health insurance or pay a tax penalty. The law regulates all health insurance policies, including group policies. Therefore, everyone in the U.S. that has health insurance of any kind have "0bamacare".
Speak with an agent that works with all of the companies in your area. The agent actually knows the plans available in your area and they actually know the laws governing health insurance. The can help you find the best plan for your situation and budget. There is no charge using an agent.
Who is a "manager". Everyone under age 26 can be on a parent's insurance until 26 but Air Force insurance may be different from privately purchased insurance. It doesnt matter if you are in school. Until January 31, open enrollment means you can buy insurance from a state or federal exchange.
You're referring to Tricare – not "Air Force insurance." Your dad can find out.
You are not "knocked off" his insurance. You no longer qualify at 21 so they just remove you from his policy. Check with your employer. Group plans are always the least expensive and they are usually very good plans. If you have to buy your own policy, check out Obamacare policies. They vary from a less expensive plan to a more expensive one. At your age, if you are healthy, you probably do not need the very best so choose a basic plan.
TriCare through a parent ends on your 21st birthday if you are not enrolled in college. It ends at age 23 if you are enrolled in college.
– After that you may be eligible for TriCare young adult which goes until your 26th birthday.